Detailed Guide: Using ALLIANCE CAPITAL INTERNATIONAL BANK INC SWIFT Code for Global Transfers
When dealing with international finance, precision is paramount. The AICIPR22 Business Identifier Code (BIC) is the exclusive digital signature for ALLIANCE CAPITAL INTERNATIONAL BANK INC located in HATO REY. Without this precise string of characters, your international wire transfer could be delayed, routed to the wrong intermediary, or returned with significant banking fees.
1. Understanding the 11-Character Logic
The code AICIPR22 is not a random sequence. It follows a strict ISO-9362
hierarchy that tells the global financial system exactly where your money needs to land:
- AICI: The Bank Code representing ALLIANCE CAPITAL INTERNATIONAL BANK INC globally.
- PR: The Country Code, identifying that the bank is regulated under Puerto Rico laws.
- 22: The Location Code, usually pointing to the HATO REY hub.
- XXX: The Branch Code, specifying this exact physical office.
2. How to Receive Money in HATO REY
If you are a resident or business owner in HATO REY, you must provide the following information to your international sender. For transactions involving ALLIANCE CAPITAL INTERNATIONAL BANK INC, ensure these fields are filled accurately in the MT103 (SWIFT Message Type):
| Field Name | Required Value |
|---|---|
| Beneficiary Name | Your Full Legal Name |
| Account Number | IBAN or Regional Account Format |
| BIC/SWIFT | AICIPR22 |
| Destination Bank | ALLIANCE CAPITAL INTERNATIONAL BANK INC |
| Branch Location | HATO REY, Puerto Rico |
3. Potential Fees & Intermediary Banking
It is important to note that a transfer to ALLIANCE CAPITAL INTERNATIONAL BANK INC might not be direct. Depending on the relationship between your sender's bank and the PR banking system, an "Intermediary Bank" might be involved. These banks may deduct a "Handling Fee" ranging from $15 to $50. Always ask your sender to choose the OUR instruction if they wish to cover all costs, or SHA to share the fees with you.
4. Frequently Asked Questions (Verified Answers)
What happens if I use the Head Office SWIFT instead of the HATO REY branch code?
In most cases, ALLIANCE CAPITAL INTERNATIONAL BANK INC will
automatically route the funds to your account based on your Account Number/IBAN. However,
using the local AICIPR22 is recommended for faster processing
and lower risk of manual intervention.
Is AICIPR22 the same as a Routing Number?
No. Routing numbers are primarily used for domestic transfers within the USA. For international transfers to Puerto Rico, the SWIFT code is the standard identifier used by the global banking network.
How can I verify if this code is still active?
The code AICIPR22 for
ALLIANCE CAPITAL INTERNATIONAL BANK INC is part of the latest directory update. We
periodically refresh our database to ensure all codes for HATO REY are compliant
with current financial standards.
Note: Financial data changes. While AICIPR22 is
verified for ALLIANCE CAPITAL INTERNATIONAL BANK INC, always perform a small test transfer for high-value
transactions. This resource is for educational purposes regarding the banking infrastructure in
HATO REY, Puerto Rico.